economy. >> which is now the critical question, with the rates going up, what is the impact on mortgage rates? and cramer tweeting watch the t etf that tracks the real estate, the ytr, and there is a shift that people are going to be looking at investing in the market, and the builders and the reits and the utilities and the tell co telecomes and other stocks fallen out of favor. >> and there's jim's tweet. he is not here, but here in spirit. my theory is that the fed is simply trying to make the bond market's slide more orderly so mortgage rates don't go to 5% in straight line. >> the fact of the increase in mortgage rates has not come out of the off increase in the 10-year, but because the mortgage investors need clarity from the fed and important to watch the spread between the 30-year mortgage and the 10-year treasury, because if it is not compressive, the fed has to worry about that as well. yesterday they said they are not going sell mortgages out of the port fo portfolios which is a cha